Compared with California
7 of 12
compared fees are above the median.
2 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
41st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 12 compared; 2 below, 3 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Central State Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Central State Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.0% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (41st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $181K in Q2 2026, 17% below the same quarter a year earlier ($218K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 12 compared published fees sit above the California median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with California medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Additional Checking / Share Draft $5 · Fresh Start Checking Account $15
Compared at $10, the middle of its prices
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 25% from Q3 2025 to Q2 2026, to $181K. Its share of revenue, 6.0%, is below the 7.2% median for credit unions with under $300M in assets.
$181K
Central State Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $15; we compare the midpoint.
Central State Federal Credit Union · $258M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Central State Federal Credit Union(this institution) | Stockton, CA | $258M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bridge Federal Credit Union | Powell, OH | $257M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cacl Federal Credit Union | Pottsville, PA | $256M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens Community Federal Credit Union | Fort Dodge, IA | $254M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community West Federal Credit Union | Kentwood, MI | $252M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elevate Federal Credit Union | Brigham City, UT | $260M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Energy Capital Federal Credit Union | Houston, TX | $261M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Filer Federal Credit Union | Manistee, MI | $262M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gerber Federal Credit Union | Fremont, MI | $260M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Ghs Federal Credit Union | Binghamton, NY | $253M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gulf Coast Federal Credit Union | Corpus Christi, TX | $260M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hidden River Federal Credit Union | Pottsville, PA | $259M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Highmark Federal Credit Union | Rapid City, SD | $258M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Keys Federal Credit Union | Key West, FL | $253M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Landings Federal Credit Union | Tempe, AZ | $263M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Moog Employees Federal Credit Union | East Aurora, NY | $257M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mygeorgia Federal Credit Union | Gainesville, GA | $258M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Jersey Federal Credit Union | Totowa, NJ | $256M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| One Federal Credit Union | Springfield, VT | $264M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Red Crown Federal Credit Union | Tulsa, OK | $257M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southwest Heritage Federal Credit Union | Odessa, TX | $261M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Family Federal Credit Union | Davenport, IA | $253M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tremont Federal Credit Union | Boston, MA | $256M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Truchoice Federal Credit Union | Portland, ME | $257M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Truecore Federal Credit Union | Newark, OH | $255M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Usx Federal Credit Union | Cranberry Twp, PA | $258M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its two prices, against a peer median of $6.49 among 10 publishing peers.
Its two checking prices are $5 and $15.
$10 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Central State Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $181K | +$29K | +19.1% |
| Q1 2026 | $152K | −$100K | −39.7% |
| Q4 2025 | $252K | +$10K | +4.1% |
| Q3 2025 | $242K | +$24K | +11.0% |
| Q2 2025 | $218K | −$21K | −8.8% |
| Q1 2025 | $239K | −$29K | −10.8% |
| Q4 2024 | $268K | −$6K | −2.2% |
| Q3 2024 | $274K | +$9K | +3.4% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Central State Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Central State Federal Credit Union by share.
Amounts from Central State Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per month
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Additional Checking / Share Draft Monthly service charge (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Fresh Start Checking Account Monthly service charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Reconciliation/Research Fee | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Paper Statement | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Missing/Bad Address - per Year | $10Not compared: Annual charge, not monthly | per year | None |
Overdraft & NSF | |||
| NSF Withdrawal-Courtesy pay | $14Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Paid NSF Fee - Check or Pre-Authorized Debit | $14Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Sustained Overdraft Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Mastercard Cross Border Fee | 0.9%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Domestic | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Corporate Check Issued to 3rd party | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Check Cashing Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item - Domestic | $30Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item - International | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Bill Payment Check | $15Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Deposited Item | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Coinstar Coin Machine | 5% | Not stated | None |
Account Services | |||
| Levy, Garnishment or Subpoena | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Annual Maintenance | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Transfer/Rollover | $20Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per year
per month
per hour
per month
per year
per item
per item
per day
per item
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Fresh Start Checking Account Monthly service charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Average Daily Balance falls below minimum | $5 | per month | None |
| Early Account Closure within 1st 90 days | $15 | Not stated | None |
| Dormant Account (12 months inactive) | $5 | per month | None |
| Escheat Notice-per year | $2Not compared: Annual charge, not monthly | per year | None |
| Inactive Checking Account | $10 | per month | None |
| Reconciliation/Research Fee | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Paper Statement | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Missing/Bad Address - per Year | $10Not compared: Annual charge, not monthly | per year | None |
Overdraft & NSF | |||
| NSF Withdrawal-Courtesy pay | $14Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Paid NSF Fee - Check or Pre-Authorized Debit | $14Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Fee Pre-Authorized Savings Debit | $14 | per item | None |
| Sustained Overdraft Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Overdraft Transfer from Shares | $3 | per item | None |
ATM & Card | |||
| ATM/Debit Card Replacement | $5Not compared: Monthly charge, not per item | per month | None |
| Mastercard Cross Border Fee | 0.9%of the transaction | Not stated | None |
| Mastercard Currency Conversion Fee | 0.2%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Domestic | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer - International | $45 | Not stated | None |
Check Services | |||
| Corporate Check Issued to 3rd party | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Corporate Check Stop Payment | $25 | Not stated | None |
| Reverse Stop Payment Request | $20 | Not stated | None |
| Stop Payment Bill Payment Check | $30 | Not stated | None |
| Stop Payment on Automatic Debit (savings) | $20 | Not stated | None |
| Check Cashing Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item - Domestic | $30Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item - International | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copies: After 2 per Month | $5 | per item | None |
| Check Copies: Counter/Temp Checks (4 cks) | $5 | Not stated | None |
| Copy of Bill Payment Check | $15Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Corporate Check | $10 | Not stated | None |
| Copy of Deposited Item | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| On-Line Bill Payment Service | No charge | Not stated | None |
Cash & Deposit | |||
| Coinstar Coin Machine | 5% | Not stated | None |
Account Services | |||
| Notary Fee | $15 | per item | None |
| Levy, Garnishment or Subpoena | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit | $25 | per item | None |
Retirement & IRA | |||
| IRA Annual Maintenance | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Transfer/Rollover | $20Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement or Account Print out | $6 | Not stated | None |
| Photocopy Fee | $1 | per item | None |
Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Central State Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Stockton, CA | 2 |
| Lodi, CA | 1 |
| San Andreas, CA | 1 |
Largest competitors nearby
Local market: San Joaquin county, CA, around its headquarters.
| 17 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 18.3% |
| Bank of America, National Association | 15.8% |
| Bank of Stockton | 15% |
| Farmers & Merchants Bank of Central California | 14.1% |
| JPMorgan Chase Bank, National Association | 13.9% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.